J2 FTE and insurance

As in my other post, J2 converted me from contract to FTE.

Health insurance at J1 is premium quality. So do I turn down health insurance at J2 or do I just take the minimal plan required. I feel like turning it down will raise red flags and I will have to submit proof of insurance or something stupid.

I also calculated that dental with kids at J2 is $750 a year. J1 already covers all dental except some ortho, but $750 for $1000 of ortho doesn’t seem worth it.

Vision is cheap, like $80 a year, but not sure if you can double dip on vision so that might be pointless too.

How do others handle insurance at J2+?